Navigating Mental Health Care for Veterans

Updated: November 1, 2024

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Military service often leaves a lasting impact on veterans' mental health, with unique challenges emerging from their experiences in service. Many resources are available to help you maintain your mental well-being as you transition back to civilian life or seek to improve your overall quality of life. By understanding these options, veterans can access necessary treatments effectively and affordably.

Common Mental Health Concerns for Veterans

Veterans often encounter distinct mental health challenges linked to their military service, which can significantly impact their lives. These challenges can stem from experiences during or after deployment, with common issues including post-traumatic stress disorder (PTSD), anxiety, depression and substance abuse.

If you are a veteran experiencing distress, support is readily available. Contact resources like the Veterans Crisis Line at 1-800-273-8255, chat online or text 838255 for immediate assistance.

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Post-Traumatic Stress Disorder (PTSD)

PTSD can develop after witnessing or experiencing a traumatic event. With it impacting 29% of Operations Iraqi Freedom (OIF) and Enduring Freedom (OEF) veterans, PTSD is a serious mental health condition often requiring professional mental health support.

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Depression

Extended conflicts have led to increased mental health treatment for veterans, many of whom have experienced combat. Medical facilities have seen a recent rise in diagnosed cases of depression post-deployment, from 11% to 15%.

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Suicide

Suicide was the thirteenth-leading cause of death among veterans in 2021, with 6,392 reported cases — an increase from the previous year. Efforts to enhance suicide prevention services have been bolstered by a 2018 Presidential Executive Order and ongoing initiatives by the Department of Defense (DoD) and Veterans Affairs (VA).

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Substance Use Disorder (SUD)

Substances like alcohol or drugs often lead to long-term health problems. Public and military attention continues to focus on SUD, particularly the use of alcohol for stress relief and socializing, which is prevalent among veterans.

Mental Health Care Services for Veterans

Various mental health care options are available for veterans through the U.S. Department of Veterans Affairs (VA). Over 1.7 million veterans have received services such as counseling, therapy, peer support and medication from the VA. If you’re already a VA patient, you can access these services by speaking with your primary care provider to arrange a referral to a VA mental health specialist. If you are new to VA services, contact your nearest VA medical center or vet center to discuss your mental health needs.

Below are some mental health services provided by the VA:

If you're unsure about what kind of help is needed, you can call 877-222-8387 or TTY service at 800-877-8339 for those with hearing impairments for guidance tailored to your situation. 

VA Disability Compensation

VA disability compensation offers a monthly tax-free payment to veterans who became ill or were injured during military service, as well as those whose pre-existing conditions were exacerbated by service. This compensation covers both physical and mental health conditions, including PTSD.

To qualify, veterans must demonstrate that their mental or physical health condition was caused or worsened by their military service. Eligibility requires service on active duty, active duty for training or inactive duty training and a condition linked directly to service.

Mental Health Intensive Case Management (MHICM)

The MHICM provides intensive case management for veterans diagnosed with severe and persistent mental illnesses requiring more support than traditional outpatient services offer. To qualify for this program, a veteran must live within one hour's drive of Fayetteville, AR, and meet the following requirements:

  • Diagnostic Criteria: Suitable candidates must have a primary diagnosis of severe mental illness such as schizophrenia, bipolar disorder, PTSD or major affective disorders with psychosis. Substance use disorders cannot be the primary condition.
  • Treatment Needs: Candidates must require more intensive services than those provided by standard outpatient treatments and demonstrate a potential benefit from the program.
  • Functional Impairment: Eligible candidates must exhibit significant functional impairment that impedes independent living or participation in necessary treatments without intensive support.
  • Resource Utilization: Candidates should demonstrate an extensive use of psychiatric services, including multiple hospitalizations or frequent emergency interventions, which indicate a need for more robust support.

Veterans Recovery House

The Veterans Recovery House at the VA's Vancouver, WA, campus is an inpatient program offering comprehensive behavioral and medical health care to veterans facing homelessness or seeking substance abuse treatment. The facility has 29 beds and supports both male and female veterans. It provides individualized treatment tracks for Domiciliary Care for Homeless Veterans (DCHV) and Substance Use Disorder (SUD). Services include clinical groups, individual sessions, meals and recreational activities.

The program welcomes all male and female veterans of the active U.S. Armed Forces, regardless of how long they served, except those with dishonorable discharges. While spouses and children are not eligible to participate, the program provides support to help veterans' families secure suitable housing.

Psychosocial Rehabilitation and Recovery Center (PRRC)

The PRRC is a center located in San Francisco, CA, dedicated to supporting veterans struggling to maintain daily activities due to mental health issues. It offers a combination of individual and group services that focus on identifying strengths, learning new skills and setting personal goals. Veterans work closely with a recovery coach to plan and advance toward these goals, utilizing classes and one-to-one services to overcome obstacles.

Veterans eligible for PRRC services must have a diagnosis of a severe mental illness such as schizophrenia, schizoaffective disorder, bipolar disorder, major depression or PTSD. They must also consult with a VA mental health provider and demonstrate the desire and the ability to engage in the program.

Substance Use Disorder (SUD) Programs

VA SUD programs address substance use disorders, offering therapies like Cognitive Behavioral Therapy (CBT), Motivational Interviewing (MI) and Motivational Enhancement Therapy (MET). Veterans can take a confidential, anonymous questionnaire to assess potential signs of substance use disorders. The program emphasizes self-assessment and provides various evidence-based therapies to manage addiction effectively.

Veterans seeking SUD treatment can also inquire at local VA Medical Centers, Vet Centers and VA Community-Based Outpatient Clinics, even if a specific SUD Program is unavailable onsite. Veterans can use the SAMHSA treatment locator or the VA's directory for SUD programs for broader treatment options outside the VA.

Health Insurance Options for Veterans

Managing the financial aspects of mental health care is crucial for accessing treatment. Familiarizing oneself with health insurance options can significantly ease the financial strain of mental health services.

1
Veterans Health Administration (VHA) Benefits

Most veterans are eligible for health care through the VHA, which is part of the Department of Veterans Affairs. The VHA provides a comprehensive medical benefits package that often includes mental health care at little to no cost to the veteran. Covered services are designed to treat illnesses and injuries, prevent future health problems, improve functionality and enhance quality of life.

Coverage specifics, including potential eligibility for additional benefits like dental care, will depend on the veteran's priority group, the recommendations of their VA primary care provider and medical standards for existing health conditions.

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TRICARE

TRICARE is the Department of Defense's health care program for uniformed service members, retirees and their families. Since 1995, all VA health care facilities have been TRICARE Network Providers. VA facilities can offer care to active duty service members, military retirees and their families under the TRICARE benefit as long as space is available.

VA facilities can act as primary care managers for TRICARE beneficiaries, though referrals are often required for specialty care. For more information about TRICARE eligibility and assistance, visit their regional websites or contact the Defense Enrollment Eligibility Reporting System (DEERS).

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Medicare

Veterans 65 or older and those meeting other specific criteria may be eligible for Medicare. This federal health insurance program covers various types of mental health care, with Medicare Part A generally covering inpatient services and Part B covering outpatient services. Veterans can choose between Original Medicare and Medicare Advantage Plans.

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Medicaid

For veterans experiencing financial hardships, Medicaid provides another viable option. This state-administered program helps low-income individuals cover medical costs, including some mental health services not covered by Medicare. Eligibility for Medicaid varies by state and can include assistance with Medicare premiums, copays and deductibles. Veterans should consult their VA social worker or state Medicaid office to determine eligibility.

5
Private Insurance

Veterans may also choose to purchase private health insurance plans. These plans can complement VA benefits by covering additional therapies and services unavailable through the VA, including care from non-VA affiliated providers.

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Employer-Sponsored Plans

Veterans employed in the civilian sector may have access to employer-sponsored health insurance. These plans typically offer a wide range of mental health services, providing additional coverage beyond what is available through VA benefits.

Cost-Saving Tips for Mental Health Care Expenses

Veterans seeking to manage the costs of mental health care can use several strategies to minimize expenses while ensuring they receive the necessary support:

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    Choose In-Network Providers

    For veterans using private insurance or Medicare, choosing providers within the insurance network can lead to substantial savings due to lower negotiated rates.

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    Seek Sliding Scale Options

    Many mental health professionals offer sliding-scale fees based on income. This can make mental health services more affordable for veterans lacking comprehensive insurance coverage.

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    Explore Community Resources

    Local nonprofits and community organizations frequently offer mental health services at reduced costs or for free. Veterans organizations such as the American Legion or Veterans of Foreign Wars (VFW) often have additional resources.

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    Consider Telehealth Services

    Telehealth can be a cost-effective alternative for receiving mental health care, especially suitable for veterans residing in remote areas or those with mobility challenges. Many insurance plans, including those under VA benefits, now cover telehealth services. Veterans enrolled in VA health care can access telemental health services through their computer or mobile device at home or a nearby VA facility by asking any VA providers to connect them to the telemental health program.

Additional Mental Health Resources for Veterans

Veterans and their families have access to a wide range of additional mental health resources beyond traditional VA services. Here's an overview of some key resources available to enhance veteran mental health and well-being:

  • BeThere: The BeThere peer assistance program supports service members, their families and transitioning veterans for up to 365 days after separation or retirement. Participants can speak confidentially with peer coaches by calling Military OneSource’s free, confidential peer support services at 800-342-9647.
  • Fisher House Foundation: Best known for its network of comfort homes where military and veterans’ families can stay at no cost while a loved one is receiving treatment. This support is crucial for long-term treatments and rehabilitation.
  • Give an Hour: A nonprofit organization offering free, confidential mental health services to U.S. military personnel, veterans and their families. Licensed mental health professionals volunteer to provide counseling without a set session limit, covering issues like depression, anxiety, PTSD and adjustment challenges. The organization also focuses on reducing mental health stigma through education and outreach.
  • Hope for the Warriors: Offers extensive support programs for service members, veterans, and their families, emphasizing transition assistance, health and wellness, peer engagement and connections to community resources.
  • PsychArmor Institute: Offers critical resources to Americans to effectively engage with and better support military members, veterans and their families across our nation. They provide free online courses specifically designed to educate on various issues affecting veterans.
  • Team Red, White and Blue: This nonprofit organization enhances the lives of America's veterans by connecting them to their community through physical and social activity.
  • Vet Centers: Provides a range of free counseling services to eligible service members, veterans and their families, regardless of enrollment in VA health care or disability compensation status. Services include individual and group counseling, couples and family counseling, military sexual trauma counseling, readjustment counseling, bereavement counseling, substance use assessments and assistance with applying for VA benefits.
  • Veteran Training: Offers tools to manage challenges like anger, parenting and problem-solving. Based on proven mental health practices, these resources are free without signing in or providing personal information.
  • Veterans Yoga Project: This organization supports recovery and resilience among veterans, their families and communities through yoga practices. It offers online and in-person classes specifically tailored to veterans dealing with PTSD and other stress-related issues.
  • Wounded Warrior Project (WWP): WWP offers a variety of programs and services to injured veterans, including mental health support through its Warrior Care Network, which provides access to mental health care, wellness workshops and more.

About Nathan Paulus


Nathan Paulus headshot

Nathan Paulus is the Head of Content Marketing at MoneyGeek, with nearly 10 years of experience researching and creating content related to personal finance and financial literacy.

Paulus has a bachelor's degree in English from the University of St. Thomas, Houston. He enjoys helping people from all walks of life build stronger financial foundations.


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